86 White Oaks Cir, Bluffton, SC 29910 Property Records

Beaufort County property record for 86 White Oaks Cir, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	1 bd · 2,545 sqft · built 1994
Owner	2 Individual Names on Record
Last Sale	$385,000 (Oct 2019)
Tax Bill	$6,684 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R60003100A03950000`

Property Details

APN / Parcel Number

Primary APN	`R60003100A03950000`
Alternative APN	`03676855`

Interior

Bedrooms	1 Bed
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,545 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Garage Type	Detached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	453 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	03676855
Old Parcel Number	R60003100A03950000
Street Address	86 WHITE OAKS CIR
City	BLUFFTON
State	SC
Zip	29910-5717
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	4116
Legal Description	LOT 865 BLK K ROSEHILL PLANT. PB 35 P 266
Legal Subdivision	ROSEHILL GOLF SIDE
Legal Block	K
Legal Lot Number	865
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	3
Census Block	3010
Census Tract	2106

Owner

Source: Beaufort County records, as of March 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	86 WHITE OAKS CIR, BLUFFTON, SC 29910-5717
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2019 · Amount on Record
Deed Sale	Oct 31, 2019 · Amount on Record
Prior Sale	Jan 13, 2014
Deed Document Number	2019059336
Deed Book / Page	3808 / 0544
Record Updated	Jun 8, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Oct 31, 2019
Property Address	86 WHITE OAKS CIR, BLUFFTON, SC 29910-5717
Document Number	0000059335
Book / Page	003808 / 000541
Instrument Date	Sep 10, 2019
Instrument	59335
Transaction Type	Transfer
Record Updated	Nov 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,424.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	86 WHITEOAKS CIR BLUFFTON SC 299105717, BLUFFTON, SC 29910-5717

Mortgage

Document Number	59338
Date	Oct 31, 2019
Book Page	003808/000549
Instrument	59338

Lender

Name	SOUTH ST BK
Type	Bank
Address	NORTH CHARLESTON, SC 29406

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2049

Tax Assessment & Valuation

Source: Beaufort County assessment roll, as of September 13, 2025

Property Jurisdictions

Type	Name
State	South Carolina
County	Beaufort County
Unified School District	Beaufort County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,684.00 (+1.7%)	$26,570 (+15.48%)
2024	$6,572.00	$23,008 (-) Land $5,880 Building $17,128	$575,200 (-) Land $147,000 Building $428,200
2023	$6,572.00 (+10.23%)	$23,008 (+49.4%) Land $5,880 Building $17,128	$575,200 (+49.4%) Land $147,000 Building $428,200
2022	$5,962.00	$15,400 Land $2,680 Building $12,720	$385,000 Land $67,000 Building $318,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 23, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 166 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	166 in force
Nearby Flood Claims	7 (1999–2016)
Claims Outside the SFHA	7 of 7
Most Recent Claim	Oct 2016 · Hurricane Matthew
Claims by Event	Hurricane Matthew, Oct 2016 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 87% of South Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BJW&SA serves 164,829 people · EPA ID SC0720003
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 115 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Fiber · Cable	1,000 / 1,000

May also be available: Spectrum.

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